I've wondered about that too. My brother served overseas, and when he switched to a military-focused insurer, he saw a similar pattern—initial savings...

I see your point, but honestly, accident forgiveness always felt like gambling to me—paying extra for something I might never use. Then again, after s...

I've stuck with State Farm for years, mostly because I'm cautious by nature and like knowing exactly what I'm getting. But honestly, your diner analog...

I've heard mixed things about defensive driving courses actually lowering premiums after a DUI. A friend of mine took one hoping it'd help, but the di...

That's pretty much how I see it too. For us, living near Cleveland, winter roads alone make accident forgiveness tempting. Even if you're cautious, al...

Totally agree with you on this one. I almost got burned by a cheap policy myself—thought I hit the jackpot until I actually needed it. Turned into a n...

Yikes, that's exactly why I'm paranoid about these cheaper premiums. Had a similar scare myself a couple years ago—almost switched policies because th...

They're definitely not the same thing, though I get why people mix them up. Health insurance usually just covers medical bills, but PIP steps in for s...

Had something similar happen to me last year in Little Rock—just a minor bump, but I still called my insurance right away. Even if it seems small, you...

I've been with State Farm here in KY for about 6 years now, and honestly, they've been pretty solid. Had a fender bender last winter (icy roads, ugh.....